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The Seaforth News, 1929-03-07, Page 6Bulwark of $100,000,000 ] LIMERICK, CORNER Protects Sun Life Investments Unique Financial Position of Company Discussed by President Macau ay in Annua ress Wares', Feb. 14, -The, phenomenal growth and suwcees of the Sun Lite Assurance Company of Canada lend! widespread interest each year to the dhnual address of the President, Mr, T, B, MacAulay. The anneal meeting, which has just been held, disclosed a continuation of this expansion, but, it was more noteworthy still for an announcement, almost atartl'ing in character, by Mr. 154aeaulay regarding the flztancial strength of the Company. Ile stated that so earOfally had the directors anticipated every possible Adverse contingency in the money market that eyes a panto which would reduce the value of the assets by one hundred millions of dollars would still leave untouched and Unimpaired the shown surplus and reserves of the Company. Mr. Macaulay dwelt as well in a most interesting and illuminating man- ner upon the relative merits of the varied securities in which insurance coin. panles invest their feuds, and of haw traditional views on investment have altered awing to the changed conditions of modern business? Ho said in part. 4'A mere statement of the increases No Magic In Bond' Over the figures of the previous -year) "Consider mortgages, What cora- ls impressive. Inincome the increase ! pany has not suffered losses, and Is $41,972,000;, la assets $87,650,000; in sometimes very heavy losses, on it Joyous Jingles By Gifted RliYmetors Hundredsof contributions are reaching Us that jUst.fall short of requirements either ho rhyme, rythtn Or expression, but we hope those who have failed so far will not be discouraged, but Hike, the historic spider will try 'again. Strive for originality in the idea behind the limerick as well as in the manner of expression. The following are a few of last week's winners, Helnt;man Plano% There was a young lady named Anna, Who wauted to have a piano, Said her Ma it is true No other will do But a Heiutzmau Upright for our Anna, MRS. R. lei, TAYLOR, Nipawin, Sask. Purity Flour s There was an old lady named earplus $9,157,000; in new assurances mortgage investments? As to .bonds $112,836,000; and in total in force some people seem" to consider that $408,926,000, A gocupany with total there is magic security in the labsI business equal to these increases `bond'. This popular belief is not would bo a large and powerful institu- supported by experience. The sur - tion, It is but three years since we plus earnings and margins of many rejoiced at passing the mile -stone of companies, over and above the div - $1,000,000,000 of assurance in force, deed requirements et their stocks, and yet already we are nearing $2,000,- are much greater than the surplus 000,000, while at this moment our as-, earned by other companies in excess sots exoeed $500;000,000, of the Interest requirements of their "Bat there is another' feature even bonds. Few experienced Rnancieve mora striking and important. Advance would claim that the bonds usually offered are safer than, or even as safe as, stook of such companies as the Montreal,- Light, . Heat & Power, American Telephone and Telegraph, Commonwealth Edison, and many others I could name. The payment of the interest on the bonds is cer- tainly no more sure than the pay- ment theiv m t of dividends on the stocks. In the very unlikely event of the diva, dend on any such choice stock being reduced, it would be certain to be far more than offset by increases Rn the dividends on others. Our own average interest rate has been steadily mounting year after year, figures indicate that the increase over the previous year in the new business written by the combined life com- panies orapanies of the Continent was approxi- nlately 8 per cent, ,and the increase in the combined total in force approxi- lbtately 9 per cent. Against these Outages let me place the figures of the un Life: ur new assurances increas- totalin per - to 84perSent., while our 11 t , r Oo i ereavd $7 perae nt. "I need not further emphasize the id ozpanelon of our business. It is a continuation, though in =osier - degree, of our normal condition, the Company is extraordinarily dun solely to increased dividends and opular with the insuring public is art- bonuses received on our stocks be- ont, But people will hardly s' ow so yond the rates payable on those ouneed a pretereu0e without ren- stocks purchased by us in 1023; the n. That reason unquestionably is actual cash yield from these in 1928 groat strength of the Company, .ft unusual profit -earning power. ' earnings announced in the report fie slightly to excels of $40,000,000; ut it is clearly intimated that had we sired to do so we could have taken Credit for a much larger amount. We however follow our usual conserve Live policy. We always have before our minds the possibility of a :easiness "I will now say a few words about depression, which might occasion the Bill we have before Parliament. heavy shrinkage in market values bf There has been so much misunder- all Glasses of securities. Mortgage standing and misrepresentation about crcurlties may at such a time become it that I think you would like a plain i•,inay unsalable but that fact is not statement of the facts. l 'her; while every fluctuation in the "The original Charter, granted in i etes at which stocks and bonds can 1865, authorized the Company's rapi- ne ..reed into immediate cash ie tat at $4,000,000. An amending Act c, • ' ou the Stock Exchange. passed in 1871 contained a somewhat t,r,tles Heavily Undervalued ambiguous clause, which has been in- terpreted in some quarters as limiting ' 1 Lave decided to take our policy- the capital to $2,000,000. Five emi- t. luta our confidence in the neat legal authorities to whom we 1 :. complete way, so that they may submitted the question assure us that 1 ..,lah how fully our directors have the original authorization was unaE- p.er:ded against any contingency of fewted by that amendment, but ad - 1.:= kind. You will notice that we wised us that It would be well to have that the values quoted are those the matter put beyond doubt by a .x by the government department brief clarifying Act of Parliament. or :ower. There is much in those "We do not ask that the capital be tee words, They mean that the increased; we merely ask that our v"„nes given in the report are ape right to issue stock up to the amount proximately $62,500,000 less than the originally authorized be freed from atual current values of those securi- legal ambiguity by a simple declare - ties on the Exchanges. Then we tory clause, have the additional deduction from "But why do we require a larger market values of $20,000,000, referred capital than the present $2,000,000? to in the report, and also the special "Chiefly for two reasons: contingency reserve of $12,500,000. "(1) Because the present capital These items total $95,000,000, and our is manifestly out of all proportion utilised assets and other margins to the magnitude of the Company's raise the amount to $100,000,000. operations. It is absurd that a Com - "This means that the market values Dan?, whose assets are already $500, - of our securities could shrink by 000,000, should be controlled by a 0100,000,000 without reducing our capital of $2,000,000. surplus by one dollar. Such a shrink- "(2) Because we wish to .sure age is Of course almost inconceivable, that this great Company sha =ver I indeed doubt very much if even the fall into undesirable hands. a Jan - catastrophe of another world war not alter the status of our e -,.sting could produce so drastic a depres- shares, but we can impose restrictions sion. Supposing it did, we would still on the transfer of the new shares have intact our undivided surplus of which will be an effectual safeguard. over 054,000,000. We are hardly likely, "21 has been said that such an I think, to be criticized for lack et increase would divert from the conservatism. I do not know any policyholders profits properly belong - other financial corporation which has Ing to them. This is the exact oppo- its assets so protected. I imagine we site of the truth. sire more likely to be told that wo "The Insurance Act allows stock - have been "too conservative; if so, holders to receive ten per cent. of that is a criticism we must endure, the profits distributed from the par. Our safety margins may perhaps be unnecessarily large, but safety —wit be our paramount consideration; and if, as we confidently anticipate, the margins prove not to be required, they will in time be available for dis- tribution among our policyholders. And what possibilities for our policy- holders do these mattes represent: investment Provisions "ft may be timely to summarize briefly the provision of our law. T- ey permit investments in:—first, mortgages (up to sixty per cent, of the appraised value); government end municipal bonds; corporation bonds secured by mortgage; pre- ferred stocks of corporations which have paid dividends for the preceding Jive years; and common stocks of pprporatlons which have paid divl t beds for the preceding seven years, each dividends being not less than tour per cent. per annum or $600,000 Pk annum la amount. These pro- r8lons avoid the extreme both of it *Nse freedom and of harmful re- eltetion. To my mind they are almost ideal, Our list of tweets shows, that we Oyn securities of large amount in aft ole iles authorized by the Aet, "For a very considerable part of aim investments we must, conse- stlentiy, look to those Classes of com- elon stocks which are authorized by o r Canadian Act, Foi'tunately,when the .acmedegree of care as is emus - eery for safety to selecting mortgages. and bends is applied to the selection world has been found in Alaska and of Common stook I s, especially Within Is on its wa to Y Washington without ilio the gonservativo limits lath down by b g ut the .AM, these sleeted securities are, eing elected. in the lodgment and experience of What Mussolini will do if he ever the thoughtful and well-informed, stops running Italy is more than we among the choicest encl safest of alt know, but he has an ideal itispositien investments and ,by far the most Profitable and deslr'at,le, %err the driver of It highway bus. represented a return of 2.38 per cent. on the purchase price greater than the dividends payable on these stocks at the time of purchase, while the average value of the rights and bonuses received during the inter- vening live years has amounted to a further .38 per cent. per annum. The Bill Before Parliament cipating branch. Our stockholders long ago reduced their share to five per cent. All our contracts for thirty years past have been made on the agreement that the participating pol- icyholders shall receive ninety-five per cent. of these profits, and that right any of our members Could enforce in any court of law.” • Druggists Observe Buckley's Cough Mixture Week The week of February 28th to March' 6th is being observed by the retail druggists of Canada as "Buckley's Cough Mixture Week." This week has been arranged by the Retail Merchants' Association of Canada and the Provincial Boards off the Retail Merchants' Association, in co-operation with Messrs, W. E. Buckley Limited, the manufacturers. This product has been 'on the market for many years and because of its rapidly increasing favor with Cana- dians during the last few yearn, "The Week" le being featured this season to focus additional attention on this fine cough remedy. Play after play hag failed in New York this season. People just can't get a thrill out of the same old cuss words The largbst piece of ivory in the 1 Bower,- Who always used Purity Flour; She declared the day long To be healthy and strong Eat bread made of Purity Flour. MRS, HENRY COULTHARD, R.R. No. 1, Eugenia, Ont. Royal Yeast There was a farm woman named Mary, Whose bread was aslight as a fairy; • When -askedto explain, She replied, "It is plain Royal Yeast Cakes your worries will, bury." MRS. T, GENOE, Ceylon, Ont. Wrigley's Gum There once was a boy found a penny, Who being a Scotty was canny, So he bought Wrigley's 'Gum And ire said, "Oh bum Salmi I knew this was 'setter than any." ELSiB1 ROBINSON, Box 76, Prescott, Ont. Red Rose Tea Said a sprightly old man in Toronto, "I drink all the tea that I want to. As I've drunk but Red Rose I've not got a red nose— Wife, put on the teakettle pronto;" MRS, H. W. Stevinson, Macleod; Alta. Salads Tea A matron who lives in Nevada, Recommends MY highly "Saluda". Come friends when you can To taste, my.Tapan, My delectable Green Tea, Salada,. MRS: II. B. FLETOII2IR, Paisley, out silo Ben Tobacco There lived on the Island . of Thacker, A, jolly old termer named Packer, Who said with a smile,; "The 'Weed that's worth while is a plug of this Big Ben 'Tabac- eer' " MISS 1VIOLLIE PATTERSON, IBlenheim, Ont. Royal Purple There was an old woman at Shoos - ter, - •And she had a very sick rooster; Royal Purple, she fed, And She smiled and sire sald,, "Now he crows again just like he 1100 'ter." MRS. WARD BULLER, ' R.R. 8, Rldgetown, Ont, Cuticura Afi a e neglectede r h r Cut pp y To her skin -so she lost all her beauty, Although all those pimples Detract from her dimples Cuticura will cure her—poor cutie! MRS, HURST, Buckingham, Que. IWearshIP and the purity of the faith From12-16 Pant describes the object which Christ had in Mind when he fq.untied these different ministries The fullill their mission in so far as they are able to build up a strong character and a Ann faith in these who are committed tb their care. Paul conclude* with the stateriont that all ministers and people, are members of, the' body o$ 0hsletr and each has his part in the maldng of the church. Good Natured Gossip The squire's pretty young daughter, accompanied by the new curate, was examining the children of the village school, "Now, children," she began, "can you tell me what a miracle is?" ,. There Was no answer for a rnoznent, and she was snout to repeat the ques- tion when a little maiden held up her hand. "Well, Nellie," said the squire's daughter encouragingly, "tell the class what a miracle is." "Please, miss," th.i little girl replied, "mother says it'll be a miraele if you don't marry the new curate!"' Just Another Day It was little Lucy's first ride in a railway train, and the succession of wonders bad' reduced her to a state of hysterical astonishment,-. Suddenly the train rounded a bend and; with a piercing-ehriek from the whistle, entered a tunnel. There were gasps of surprise' from the corner where little Lucy knelt on her seat with her face pressed close to the window. A few,seoonds later the train rushed into broad daylight once again, This proved too much for the and. Meddle," she .cried at the top of her shrill 'little voice—"daddie, it's to- morrow:" , A Local Directory After several monthsof ardent courtship the young man found We dvances coldly rejected, and he took t very badly. "If you were to look on my heart" he pleaded, "you'd find your name en- graved on it in imperishable charac- ers." But the girl was. not a bit impressed. he knew that he had proposed to very girl in the district at least once wring the ten years he had lived' there. 'Rally," she drawled; "then you must have a heart like a local direc- tory by now." Williams' Pink Piils There was a young Toiler named 1 Tilly, Who became whits and frail as a lily, Took Williams' Pink Pills, t Which cured all her -Ills,, And now she's as gay as a filly, s MISS ETHEL Merrsua.AR, Belmont, Ont. d Mrs. T. Canoe, No decision haa been reached as to when the con- test will be closed. Compare care - Cully the rythm of the limerick with which you won a prize with the others and you will see just where they fall short. Mrs. T. Neal. Sorry we cannot - roturn any limericks : abmitted as they are not kept. There is plenty of enjoyment for the whole family if all join in the tun of writing Limericks. Any nationally advertised article or service found in this or any previous issues of this paper may be made the subject of a limerick. One dollar will be sent for every Limerick accepted. Give name and address and name of this paper. Write: • Limerick Editor, Assoc!. ated Publishers, Rooms }21.5, 78 Adelaide St. West, Toronto, 2. Sunday Scho Lesson Il March 3. Lesson IX --The Christian Church•—Mark 4: 26.62; Eph. 1: 22, 23; 4: 3.6, 11.16. Golden Text—So we, being many, are one body 117 Christ.—Romana 12: 5, ANALYSIS I. THE PREDICTIONS OF JESUS, Mark 4: 28-32. II, THE TEACHING OF PAUL ON THE CHURCH, Ephesians 1: 22, 23; 4: 4-6, 11-16. INTR0DUCTIoN—The Christian Church is the most imposing and en- during of all the institutions of the world. It has outlived many of the empires of the earth. It is a divine institution, having been founded by Christ; and we have his promise that the gates of death will not prevail against it, It is true that many evils have disfigured the history of the church and many unhappy divisions still exist, but yet it remains as the greatest helper of man is. all his moral and spiritual aspirations. I. THE PREDICTIONS OF JESUS, Mark 4: 26-82. V. 28. This psrable is found only in Mark, unless it is to bo regarded as part of the parable of the tares, Matt. 3: 24. It is one of many drawn from agriculture, the chief occupation, of the land of Israel. V. 27. When the sower does his work he has to wait and allow the secret forces of nature to carry •on thtir V. 28. Three stages in the growth are given, the blade, the ear, the full grain. This represents the progress of the religious life, and some one has made the following application. First are the happy days of conversion when the young heart surrenders itself to Jesus; second, the period of trial and doubt which sotnetttnes fol- low, and third, the age of fruit, when assurance has returned, and faith and hope are firmly fixed in God and his goodness, V. 29. Christ is the sower. He will also return as the reaper, In the interval, the Spirit, all unseen, carries, forward the work. V. 31. In this second parable we have a further illustration of .the great faith which Jesus had in the future ofi his kingdom, He sawq nate clean that a the Y gospel g was to be. preached to the most pdistant parts of the earth. The small seed will become a tree and alt kinds o'f birds will rest on its branches. The condition ofthe c:hureh today is the best justification of these predictions of Jesus IL THE TEACHING OF PAUL ON THE CHURCH, Ephesians 1: 22, 23; 4: 4-6, 11-16. When we pass from the Gospels to the Epistles, we are struck by the fact that wo do not hear nearly so much about the kingdom of God, whereas the word "church," which is found only twice in the Gospels, is a common term in Paul's writings. It would appear as if the church now replaced the kingdom. Paul's doctrine on the church is an important part of his spetem, and is unfolded very clearly in Ephesians. Ch. 1: 22, 23. These aro the con- cluding verses of the first prayer of Ephesians, in which Paul is snaking intercession for his readers; and it Is all summed up in the desire that they may know Christ in all his glory and power. Now among the various ele- ments in Christ's authority is his rule over the church, which is described as. the body of Christ, This striking fig- ure is also found in 1 Cor. chap. 12, and it is meant to bring out many truths concerning the church. We notice. that Christ is described as the head of the body. The mind controls the body, but the body is the necessary means for showing forth the desire of the mind and for execut- ing the resolves of the will. Thus the church is the organ for the expression of the mind of Christ. In the church we have the most convincing witness to the truth and spirit of Jesus. Paul dote not merely think that the church was originally founded by Christ but he is convinced that Christ ati.- `lives and moves in the church. It is his body. Chap. 4: 4-6. The next quality of the church illustrated by the body is its unity, and in these verses we have what are called the seven unities of the church, Itis to be observed that none of these is concerned with out- ward organization, so that we cannot think that the Roman Catholic claim is correct which teaches that there can be no membership in Christ's church unless we are within that organization. Church unity does not consist of any outward form, but all the .attributes here mentioned are spiritual and mental, They alt deal with the faith of the heart. There may be great diversity in outward forhzs, but if there is agreement on the great essentials of faith, there may be real unityThe supreme de- mand made on all .of us is to see that we show forth the spirit of love and brotherhood' ' Vs. 11-16, But yet organization is necessary, and we know that from the rot Paul appointed elders .in the churches which he formed. In' these verses it is to be noticed that he first e m nitrons apostles and prophets, These e were likely concerned with the entire church and had no local of flee. They were temporary, ant: the apostle re- ceived his authority clitectly from Christ. The masters and teacher's may have beet the local ministers, and were responsible for the conducted A GHOST OP APIECE Land Lady. Don't you- think this pie bas a really haunting flavor? Boarder: It sure has—mineeels a mere ghost of a piece of pie. Facts that are not frankly faced have a habit of stabbing us in the back.—Sir Harold Bowden. During my church question period over the radio Sunday night, 5 have had irreverent card players telephone in to ask how to play a certain poker hand.—Rev. Christian F, Reisner. POR SCHOOL YOURS • A' patterned wool jersey, whose smartness is instantly recognized in flaring sides of skirt, achieved through shirring at hips, The attractive turn- over collar, turn -back flared cutis and applied band at centre -front of blouse, are of plain jersey. Style No, 879 is designed in sizes6,8r l0 aan 12 years. It It is also effective blue wool in navy crepe, with bright red grosgrain. -rib- bon pleatedto trim collar; band and cuffs. Printed sateen, plain jersey, wool chaIlis, lightweight tweed, linen, chambray and velveteen also suitable. Pattern' price 200 in stamps or coin (coni is preferred). Wrap coin care- fully. HOW TO ORDER PATTERNS. Write your name and address plain- ly, giving number and size of such Patterns as you want. Enclose 20c in 'stamps or'coin (coin preferred; wrap it carefully) for each number and address your order to Wiison Pattern Service, 73 West Adelaide St., Toronto. Patterns sent by an early mail. More. Than h When a worried -looking man n pres- enter' himself in the claims. depart- ment of an insurance cornpany and asked for settlement of a fireinsur- ance Malt, the clerk asked a lot of questions. "No, not much damage," remarked the worried one—"only a door burnt." "How much do yet; think a new door would cost. When did the:: the occur?" "About eight rears ago," was the answer to the last qucstton. "Eight years?" echoed the clerk. "And you've been all this time mak- ing a claim. Why?" "Well," replied the claimant, "my wife has been at me ever since it was burnt, and I couldn't stand it any longer." 'A "seer" says 192 will be a fort- unate year for females, thus making the tenth year of that kind since 1918. Bill: "What's your brother 'suffer- ing from?" Phil: "Brain fever." "05, I thought it was something seri- ous" 1 F you ever have rheumatism,' lumbago or other pains that penetrate to the very bones and joints, Aspirin offers such quick relief, and such complete comfort that it's folly.to suffer. Keep these tablets handy in the house; and, carry thein in your. pocket. Then you need never suffer long from any attack of neuralgia, neuritic riieutnatism,, or from a bac{ headache. Aspirin is always a .marvelous 'antidote for an :pain dud' has no effect en the heart. .Proxen directions for. many- valuable uses to every box cif genuine Aspirin. Every, druggist has it. iRIN Aspirin 19 a Trademark Registered is Canada British Ca,u io Revivified By Grand Union Npw Company to Link Water-. ways and Organize gig Transport System London — Britain's blend water traIslpos't z'eeently entersd - upon .a definitely new phase when 240 miles of canal came under the, `control: of the newly Tgrnied Grand Union Canal Company, The Grand Union 00 an anealgaana- tion of the companies controlling the Regent"s• Canal, the Grand Junction Canal, the Warwick 41 Birmingham Caul, the Warwick & Warwick Juno. tion Canal. The union of thesd sys- tems represents the first tangible - attemptto oaz'ry opt •the i'eeornmenda- tions of the Royal Commission on Inland Waterways of years ago, This big ,amalgamation is regarded as an important development. of the movement to organize Britain's canal system in affective competition with the rail and road transport- eastems. As a direct result of the union it will be possible, to give but one ex- ample to ship merchandise from Bom• bay to Birmipgham, Cargo will be :brought from overseas ports to Lam don,; discharged into\ barges at the Limehouse terminus of the Grand 'Union Canal, and transported without further change to Birmingham, Co. vent%', Leicester, or any town or warehouse on the Wks of the Caton canals. In anticipation of the revival of canal transport that will follow the scheme of modernization, s are already being received for vacant canal -side sites suitable for ware houses and for wharves from manu- factured and industrial and trading concerns. '• • There has been a steady increase in the volume pf cargo carried on English" canals during the last few years. Figures supplied by the Re- gent's Canal Company show that 732,937 tons of cargo were carried on this stretch ;of -canal last year, come pared with 585,556 tons in 1923, not - to go through the great tunnels under withstanding the fact that the eight - hoar day has ourtailed,ti'ansport work•„ Ing time. The cargo carried was chiefly coal, timber, grain, chemicals, oils and foodstuffs. The 2240 mites of canal to be con- trolled by the Grand Union Canal Company; with link the Thames direct with Northampton, 'Birmingham and Leicester. These great;ludustrial cen- tres will, in turn, be linked up with Derby, Burton and Nottingham by' means' of the Mersey, Derby and Not- tingham canal systems. The system will have two direct outlets to-' the �� Thames, one at Brentford on an arm' of the Grand Junction Canal, the other ,at Limehouse, which is the eastern terminus of the Regent's Canal and the port of discharge for increasing quantities of goods from the Conti- nental ports. ' British Guiana Colonization Tests to Start New Governor Hopes to In- crease Population and , Improve Finances Trinidad, W. L—If the colonization scheme proposed for British Guiana by Sir F. Gordon Guggi.sberg,the new Governor, is successful, the country will in 50 years have increased its population from 306,000, the present figure, to 2,000,000. The Governor proposes immediately to start experimental land settlement* in order to demonstrate to prospective • `settlers the benefits of residence Lt the country. If these turn out as anticipated, by the end of 1931, an immigration organ- ization will be set up and, with the. assistance of a subsidized steamer service, effe is will be made to attract people from some over -populated sec tion of the Empire, probably India. British Guiana, whose Constitution has recently been altered by an im- perial'order-in-council giving the Dov- er. -meat power to carry out a continu- ous policy, is a bankrupe country. Since 1921 there has been n deficit in public finances of over $500,000 every year. It is, however, a country of immense potentialities, and it is believed that Sir Gordon Giggisberg, who has had an extraordinarily successful- career as an administrator on the Gold Coast, will succeed in puttings things right: Fortunately there exists a separate fund of some $608,000 which he wilt be able to use for the initial stages oY the colonization scheme without the necessity of increasing taxation. Already an act has been passed by the Legislature authorizing the floata- tion of a loan oY $16,500,000, which includes $250,000 for a survey of the whole colony and $625,000 for the establishment of an agricultural bank. Two districts are to be surveyed at price, one in .the northwest and tho Other in what is known as the Allu- vial Belt, where the principal crops will be rice and sugar cane. When tlcitable spotsots havb be n, elected, the settleii w.ia wilt be onstructed, each contahihog 100 1u k:yule; e• s51llzs•Vintages willbeblt:fol _" 011es,eaoh whiritson school and a adequate , water supply and cornice - tion with the nearest market,